Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a gated community home on Amelia Island.

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Active

Active·15 days on market

1601 Nectarine Street I1

Fernandina Beach, FL 32034

$369,900$310/sqftEst. $1,900/moMLS# 2159178

Beds

Baths

1,193

Sq Ft

1999

Built

—

Garage

Pool

About this home

Fernandina Beach

COMPLETELY REMODELED, great location and PRICED TO SELL! Own your piece of paradise on Amelia Island in this rare first-floor, corner-unit condo located in the gated community of The Palms at Amelia. Just one block from the hospital and within walking and biking distance to the pristine beaches of Amelia Island and the historic downtown of Fernandina Beach, this property offers an exceptional coastal lifestyle with everyday convenience. This fully remodeled condo features wood-look, tile flooring throughout, all new white, custom kitchen cabinetry with sparkling quartz countertops and stainless-steel appliances. The custom cabinetry is extended into the dining room for additional storage and organization. Both bathrooms have been nicely updated with coastal charm. Enjoy the ease of no stairs, ample parking and low maintenance living.

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,900

Principal & Interest: $1,900

Property taxes (est.): $511

Insurance (est.): $247

Estimated Total Monthly

$2,657

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$1,900

Property taxesest. at asking price, Nassau County$511

HOAbilled monthly$477

Estimated total, before insurance$2,887/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,451/yr · $204/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,451/yr

Estimated taxes if purchased at asking price: ~$6,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1999)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Nassau County Utilities GDB - CITY OF FERNANDINA BEACH · Public water (record)

County records show this parcel on central sewer served by Nassau County Utilities GDB - CITY OF FERNANDINA BEACH — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,801 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 7, 2026Listed$369,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$369,900

Price / Sq Ft$310

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,193

Acres4.61 acres

Year Built1999

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address1601 Nectarine Street I1, Fernandina Beach, FL 32034

Area440-Fernandina Beach Downtown-South

SubdivisionThe Palms At Amelia

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size200,811.6 sq ft

Parcel Number000031163P00I10000

Amenities

AmenitiesOther, Barbecue, Gated, Maintenance Grounds, Spa/Hot Tub, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGated, Parking Lot

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate

Spa FeaturesCommunity